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Travel Insurance

Compare Travel Insurance Quotes From £1.58 Per Day¹

  • Find cover for pre-existing medical conditions

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We compare with 45 trusted travel insurance brands3

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1MoneySuperMarket data. Daily rate of a single trip travel policy for a 30 year old with no pre-existing medical conditions travelling to France for 3 days. Price correct as of April 2024.
2For annual travel insurance policies only. Restrictions and T&Cs apply.
3Providers accurate as of May 2024.

Why is travel insurance important?

Travel insurance is essential for managing unexpected expenses during your holiday.

Certain events can disrupt your plans and lead to significant financial losses, particularly with medical treatments abroad.

The Association of British Insurers (ABI) has reported a 75% increase in cancellation claims and a 235% rise in medical claims in 2022, with the average medical claim amounting to £1,750.

However, medical expenses can soar, as indicated by UK government statistics, which show that medical procedures and repatriation from Greece can reach £30,000.

Given the rising number of claims and the potential for high medical costs abroad, travel insurance is a wise decision.

What does travel insurance cover?

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    What's typically covered?

    • Lost baggage & belongings: Up to £4,000 in case your baggage or personal belongings are lost, damaged, or stolen while you’re travelling, allowing you to claim for their full or partial value.

    • Cancellation cover: Up to £7,000 in compensation if you need to cancel your holiday for reasons specified in your policy, such as illness or bereavement.

    • Emergency medical expenses: Protection for medical bills or emergency medical treatments, with up to £15million of cover

    • Travel disruption: You can claim for delays if bad weather, strikes, or something breaking down affects your flight, ferry or other mode of transportation.

    • Repatriation: if yourself or a family member becomes injured or falls seriously ill while you are away, emergency repatriation can cover the costs to bring you home.

    • Personal liability: Protects you if you are involved in an at-fault incident that results in legal costs or damages while you are on holiday

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    What's typically NOT covered?

    • Choosing not to travel: You can’t claim simply because you no longer want to go on holiday

    • Missed flights: Coverage doesn't apply if you miss your flight due to tardiness or security delays.

    • Under the influence: Claims won't be honoured if an incident occurs while under the influence of alcohol or drugs.

    • Pre-existing conditions: Some insurers may exclude coverage for specific pre-existing medical conditions or adjust premiums accordingly.

    • Airline strikes: Airlines handle compensation for strikes; however, travel insurance may cover related costs like accommodation.

    • Extreme sports: Review your travel insurance policy to see which sports are covered. Activities deemed high-risk, such as skiing, may require a special insurance policy.

    • Natural disasters:
      Standard travel insurance usually excludes natural disaster coverage, and traveling post-warning may nullify any included protection.

Do I need travel insurance?

Travel insurance is vital for any trip, from a short getaway to Spain to a long backpacking adventure worldwide. It shields you from unexpected events while traveling.

Is there a good time to buy?

Buy travel insurance immediately after booking your trip to ensure coverage from the moment of booking. This includes protection for cancellations due to various reasons such as supplier failure, bereavement, redundancy, illness, or injury.

Travel insurance tailored to your trip

When choosing the best insurance for your holiday you want the right policy for your needs. Choose from:

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    Annual Multi-trip

    Save time and money with annual multi trip coverage for multiple holidays annually, typically up to 30 days per trip.

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    Cruise Travel

    Get cruise coverage for missed port stops due to bad weather or illness onboard during your cruise.

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    Single Trip

    Often the cheapest policy option, single trip policies provide cover for one trip up to 31 days.

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    Tailored for backpackers on extended travels across multiple countries during one journey.

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    Winter Sports

    Protection for winter sports enthusiasts, including equipment like skis and snowboards.

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    Business Travel

    Customised insurance for business trips, featuring coverage for electronics and extra travel expenses.

How to get cheaper travel insurance

Cheap travel insurance isn't always best but there are steps you can take to ensure you don't overpay:

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    Compare quotes

    Comparing quotes from several brands at once makes it easier to assess whether the price and features meet your needs.

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    Consider optional extras

    Optional add-ons can enhance your coverage, but it’s worth checking whether they're already covered by other policies.

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    Consider annual cover

    If you travel more than twice a year, an annual multi-trip policy can be a great money-saving option.

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    Increase your excess

    Choosing a higher excess can help reduce your premiums. However, if you do have to make a claim, you will have to pay more toward it.

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    Group travel cover

    Grouping family members or multiple travellers under one policy may be cheaper than taking out separate cover for each person.

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    Be mindful of trip length

    With single trip cover, your premiums reflect the length of your trip, so don’t pay more than you need.

How much is travel insurance?

At MoneySuperMarket, you can find single-trip policies from £1.58 a day1 and annual cover from £9.854. However, there are key factors that will affect your premium including:

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    Your destination

    Where you plan to travel can affect premiums as the risks and cost of medical treatment varies between different countries

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    Length of your trip

    The longer your trip often increases your risks therefore the more expensive your travel premium is likely to be

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    Your age

    The older you are, the more expensive your premiums after likely to be. Older people are often placed in a higher-risk bracket to insurers 

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    Pre-existing medical conditions

    Existing conditions may increase premiums as there is a higher risk to insurers that you may make a claim or need treatment on your holiday  

Example travel insurance quote

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Admiral Platinum

Single Trip

  • Policy price


  • Max excess per feature


  • Medical


  • Cancellation


  • Baggage


Great for

  • £500 of personal money cover
  • £300 of travel delay cover
  • Five star defaqto rating

But be aware that

  • Gadget cover not included

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.

Cover with pre-existing medical conditions

Travel insurance lets you explore the world with confidence, even with a pre-existing medical condition such as diabetes or cancer – as long as you tell your insurer about it. 

Learn about the essential aspects of declaring pre-existing medical conditions for travel insurance with Emma Lunn's comprehensive guide.

We show prices from a panel of specialist insurers that offer medical travel insurance covering a wide range of medical conditions to ensure you’ll be covered.

If you're struggling to find suitable cover for your conditions, MoneyHelper provides a list of specialist insurers to help you find cover, or you can call the British Insurance Brokers Association on 0370 950 1790 for more guidance.

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Consider policy upgrades

You can customise your travel insurance to match your unique trip and needs. Consider the following specialised coverage options:

  • Gadget Insurance: Protect your electronics from loss, theft, or damage, including phones, tablets, and gaming consoles.

  • Wedding cover: Protect attire, rings, and gifts for destination weddings, ensuring your investment against the unexpected.

  • Travel connection delays: Ensure compensation for missed connections due to delays in your initial mode of transport.

  • Sports travel insurance: Stay protected during high-adrenaline activities like paragliding, skiing, or water sports.

  • Natural disaster cover: Protect plans from volcanic eruptions, earthquakes, floods, or hurricanes.

  • Terrorism Cover: Protects against trip cancellation or curtailment due to nearby terrorism.

Kara Gammell.

Our expert says


It can be easy to assume there are few risks when travelling, particularly when travelling in the UK or to a nearby country. However, there is always the possibility of something out of your control happening and when it comes to healthcare costs abroad this can end up costing thousands. With the right policy, one travel insurance payment can help alleviate any worries knowing if anything does go wrong, you’re covered.

- Kara Gammell., Life and Health insurance expert

Ready to compare quotes? Here's what to do next

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    Tell us about yourself

    Give a few details about you, your travel plans, and what you need cover for

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    We’ll do the legwork

    We’ll put together a list of travel insurance quotes, so you can pick one that works for you

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    You’re on your way

    Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip

Do I need a specialist travel insurance policy?

MoneySuperMarket simplifies comparing specialised travel insurance options tailored to your requirements.

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    Individual cover:

    Insurance for solo travellers, offering protection for the duration of your trip with a single-trip policy.

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    Over 70s cover:

    Customise your policy to match your health and medical needs if you're over 70, ensuring coverage for relevant risks.

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    Secure joint coverage for both you and your partner under one policy, eliminating the need for separate policies.

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    Easily insure your entire family under one policy at competitive rates, simplifying the process.

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    Select group members, whether family or friends, for coverage up to 10 individuals.

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    Under 18s:

    Whether it's a school trip or family vacation for under 18s, travel insurance provides comprehensive coverage for potential mishaps while away.

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Our mission is to help you Super Save on travel insurance by offering a simple, hassle-free way to compare quotes from a wide range of insurers.

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Compare Travel Insurance with MoneySuperMarket

At MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:

  • Flexible to suit your plans

    Get fully comprehensive cover for as long as you need it, whether that's one day or a few months

  • Quick and easy to use

    Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.

  • Save money

    Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.

Travel insurance is a form of cover that may pay out if you suffer an injury when you’re away to cover the cost of medical expenses and any repatriation if it’s a serious injury. If your trip needs to be cancelled for some unforeseen reason, such as the illness or death of a close family member, then travel insurance may cover your losses. And if your baggage or belongings are damaged or lost, then travel insurance could compensate you up to a set limit.

Buying travel insurance gives you peace of mind and protects you if something goes wrong while you’re on holiday. If you do have a problem while you’re away, the first step is to contact your insurance provider. Most companies have dedicated claims lines, and you may also be able to file a claim online if it’s easier for you. You’ll normally need to pay for any costs upfront before claiming them back. So, keep any documents, such as hospital bills, you need to support your claim.

The Global Health insurance Card (GHIC) entitles you to medical treatment in certain countries for free or at a reduced cost. However, this isn’t a replacement for travel insurance as it won’t cover you for private medical costs, nor will it be useful for rescue and repatriation. It also doesn't offer additional protection for your belongings and possessions, accommodation, or flights. 

Your insurance excess is the amount you will need to pay when making a claim. If you have a policy with a £150 excess, for example, then you claim for a baggage loss of £800, you would pay the £150 and the remaining £650 would be paid out by your insurer. 

If you need to make a claim on your travel insurance policy

  • Keep your documents to hand: keeping your policy documents, including your policy reference number, can be hugely helpful when you contact your insurer to make a claim.  

  • Contact the authorities: if you’re claiming as a result of a crime, you have to let the local police know and get an official police report. Some insurers may not pay out for a claim if you don’t alert the authorities within a certain time period, usually within 24 hours of the event. 

  • Don’t delay: you should also contact your insurer as soon as possible if you think you’ll have to claim, to ensure that they’ll cover you for what you need. This could be particularly important for medical treatment, as some insurers may require you to confirm what treatment you’re getting and whether it’s covered before paying out. It’s worth checking your policy documents to see if there’s an emergency 24 hour contact number you can call. 

  • Gather evidence: police reports, medical notes, or receipts to prove ownership can all improve the chances of your claim being accepted, and for some insurers they could even be necessary in order to validate your claim. 

You still need travel insurance if you’re staying in the UK for your next holiday (staycation). Although the NHS will cover the cost of any medical treatment, travel insurance can pay to transfer you to a hospital closer to home. Travel insurance will also bring you or a family member home if you have missed your flights, trains, coach or your family have to drive home separately. 

Travel insurance for the UK also covers you against the risk of holiday cancellation, baggage loss, losing spare cash and anything happening to your mobile phone and other gadgets while you’re away from home.

Yes, travel insurance providers generally consider Jersey and Guernsey as well as all other Channel Islands as part of the UK. Travel insurance is important here as while there is a reciprocal healthcare agreement between the UK and Jersey, it doesn’t cover things like repatriation - and will only last for visits under six months. There is no agreement between the UK and Guernsey. 

Booking a last-minute travel insurance policy is still possible, as you can usually still buy you're travel insurance up to the date of your departure. However, different policies will have different rules on how late you can book and booking last minute means you may miss out on cover if your trip is cancelled. It is always recommended to buy your travel insurance at the same time you book your trip.

In most cases, yes, there is travel insurance cover for pregnancy and this should be covered under a standard travel insurance policy. However, if you are having any medical concerns during your pregnancy, it is worth telling your insurance provider before you travel and checking what you are covered for.

Most travel insurance policies will cover medical costs while you're travelling if there is a medical emergency related to your pregnancy. However, your policy won't cover your medical bills if you require routine care or give birth.

Travel insurance hasn't changed very much for UK holiday goers in Europe. UK citizens are still able to access state-funded healthcare in most EU countries with the new GHIC card or if they still have a valid EHIC although there are limitations to the level of cover they will provide

It's recommended you also buy travel insurance policies for Europe, the only difference between these policies and worldwide policies is that your policy won't cover you if you travel outside of Europe.

Some insurers may allow you to extend your policy while you're away, provided your trip is within the 'length of trip' limit on your policy, while others may require you to take out a new policy.

If you plan to take a long trip or visit several destinations in one holiday, you may need long stay travel insurance. This type of policy will cover long trips and backpacking holidays.

Not every travel insurance policy will cover wildfires. When it comes to extreme weather and natural disasters, your insurance may not offer any cover or may require you to pay extra for cover. Even so, cover for these kinds of events can be complicated and there are certain hidden terms to travel insurance policies that may prevent you from being able to claim.

For example, when cancelling in the event of a wildfire or other type of national emergency, most travel insurance providers won't cover cancellations unless the FCDO has given a travel warning for your destination. If they haven't, or if that warning doesn't advise against anything except necessary travel, then your travel insurance won't cover cancellation costs. Similarly, your travel insurance may not cover any issues related to wildfires or extreme weather if they were forecasted before you travelled.

You can read more about what travel insurance will cover in our guide 'Will travel insurance cover natural disasters?'